Home Insurance in Glasgow, West Virginia
Homes in Glasgow carry a median value of $99,100 - 33% lower than the Kanawha County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Glasgow was built around 1973. About 44% of homes were built before 1960, in line with Kanawha County (43%).
The housing stock in Glasgow is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Glasgow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Glasgow are owner-occupied.
In Glasgow, 64% of homes are primarily heated with natural gas.
Kanawha County had 1,229 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). See the full Kanawha County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $99,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Kanawha County | 1,229 |
| Home insurance premium | $1,179 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)